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PM me any insurance questions
#8547956
03/05/22 12:24 AM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
I have been in the insurance business for 42 years as a totally independent agent. Life is good and I am working part time now. Over the years I have shared my experience on many threads here that asked insurance questions.
If any of you have questions or want advice on insurance I will gladly do my best to help you out. I will NOT sell or try to sell anyone on this forum anything. I just have been blessed to have had a great business with a ton of great friends and clients and this is my way of paying it back.
I do not do property and casualty (auto, home owners,etc.)
What I DO know inside and out is: life insurance, group medical insurance, Medicare supplements, long term care insurance, disability insurance and investments.
So feel free to PM me any questions (remember there are no stupid questions) and I will do my best to give you a second opinion
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8547961
03/05/22 12:32 AM
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Joined: Jan 2010
Posts: 22,997
fadetoblack64
giddyup
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giddyup
Joined: Jan 2010
Posts: 22,997 |
how much life insurance can i get with no physical at age 57?
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Re: PM me any insurance questions
[Re: fadetoblack64]
#8547969
03/05/22 12:39 AM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
not much - the TV ads that say they will sell you life insurance with no physical - problem is that the death benefits are reduced the first two years if a death occurs - reduced to basically giving the premiums that were paid back to your beneficiary
there are a few other guaranteed issued policies available but they are super expensive and again if you die with in the first two years the benefit is not much - the amount of death benefit they will issue is usually very limited without a physical
There are companies that offer no physical policies but believe me you will have to still answer a ton of health questions on the application - and if you fib about your health they have a two year contestability clause that allows them to deny paying the claim if they find you had pre existing conditions that you did not disclose
Never forget that life insurance companies do this for a living and they will not take on a high risk without covering themselves
Last edited by tlk; 03/05/22 12:43 AM.
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8547970
03/05/22 12:40 AM
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Joined: Jul 2019
Posts: 14,027
Hudbone
THF Celebrity
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THF Celebrity
Joined: Jul 2019
Posts: 14,027 |
Zero unless it's a graded life policy that you dont want.
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Re: PM me any insurance questions
[Re: tlk]
#8547978
03/05/22 12:46 AM
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Joined: Sep 2012
Posts: 15,850
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 15,850 |
I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application.
FJB - Lets Go Brandon BBB - Bring Back Better Awake - Not Woke!
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Re: PM me any insurance questions
[Re: Jimbo1]
#8547990
03/05/22 12:54 AM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application. depends on what type of cancer - in most cases cancer that is clear for ten years you would be offered coverage but it would most likely be rated a higher premium - sorry that happened - I know it is frustrating
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8548018
03/05/22 01:21 AM
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Joined: Sep 2012
Posts: 15,850
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 15,850 |
I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application. depends on what type of cancer - in most cases cancer that is clear for ten years you would be offered coverage but it would most likely be rated a higher premium - sorry that happened - I know it is frustrating Yea, I was upfront about the cancer but was told they could still beat my current policy. All they did was waste my time and now they have tons of personal and family info that's probably already been sold. F em!
FJB - Lets Go Brandon BBB - Bring Back Better Awake - Not Woke!
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Re: PM me any insurance questions
[Re: tlk]
#8548024
03/05/22 01:25 AM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
well whoever told you that up front was in the wrong - no agent anywhere knows ahead of time what an underwriter will do - and for what it is worth the insurance companies cannot and do not sell your private information - they all have privacy rules they must abide by
and if you already have a policy in force then just keep it
Last edited by tlk; 03/05/22 01:25 AM.
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8548030
03/05/22 01:29 AM
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Joined: Sep 2012
Posts: 15,850
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 15,850 |
well whoever told you that up front was in the wrong - no agent anywhere knows ahead of time what an underwriter will do - and for what it is worth the insurance companies cannot and do not sell your private information - they all have privacy rules they must abide by
and if you already have a policy in force then just keep it
Thanks for the info. Happened a couple of months ago but this thread struck a chord! Ha!
FJB - Lets Go Brandon BBB - Bring Back Better Awake - Not Woke!
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Re: PM me any insurance questions
[Re: Jimbo1]
#8548032
03/05/22 01:32 AM
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Joined: Dec 2005
Posts: 35,409
Guy
THF Celebrity
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THF Celebrity
Joined: Dec 2005
Posts: 35,409 |
Good thread, I'm taking notes...
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Re: PM me any insurance questions
[Re: tlk]
#8548046
03/05/22 01:48 AM
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Joined: Jul 2008
Posts: 33,190
bigbob_ftw
Big Sprocket Bob
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Big Sprocket Bob
Joined: Jul 2008
Posts: 33,190 |
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan?
Ultra MAGA '24.
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Re: PM me any insurance questions
[Re: bigbob_ftw]
#8548259
03/05/22 12:15 PM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan? first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away. If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8548278
03/05/22 12:48 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: PM me any insurance questions
[Re: bill oxner]
#8548284
03/05/22 12:56 PM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
Really Bill? I have been on this forum for years - geez
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8548291
03/05/22 01:05 PM
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Joined: Apr 2008
Posts: 4,498
TPACK
Extreme Tracker
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Extreme Tracker
Joined: Apr 2008
Posts: 4,498 |
Really Bill? I have been on this forum for years - geez Don`t worry about Oxy, he`s just trying to up his post count or he thought he was posting about his favorite meat substitute.
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Re: PM me any insurance questions
[Re: tlk]
#8548308
03/05/22 01:30 PM
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Joined: Jul 2008
Posts: 33,190
bigbob_ftw
Big Sprocket Bob
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Big Sprocket Bob
Joined: Jul 2008
Posts: 33,190 |
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan? first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away. If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you I'm 59, she's 53. We have a disabled son who will need care after we're gone. The dividends get rolled into the value of the policy.
Ultra MAGA '24.
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Re: PM me any insurance questions
[Re: bigbob_ftw]
#8548335
03/05/22 01:51 PM
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Joined: Jul 2013
Posts: 6,000
tlk
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: Jul 2013
Posts: 6,000 |
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan? first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away. If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you I'm 59, she's 53. We have a disabled son who will need care after we're gone. The dividends get rolled into the value of the policy. On your policy I was just letting you know that you have the option of letting your dividends pay your premium. Ask the company for an in force illustration and it will show you the numbers On your wife if she is healthy I would get a quote on her own term policy - once she is approved and it is in force then just cancel the term rider on her that is on your policy
You can't fix stupid
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Re: PM me any insurance questions
[Re: tlk]
#8548419
03/05/22 03:06 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
You never see Varmint Master on OT even when we have Auto Insurance threads.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: PM me any insurance questions
[Re: bill oxner]
#8548421
03/05/22 03:12 PM
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Joined: Sep 2012
Posts: 15,850
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 15,850 |
You never see Varmint Master on OT even when we have Auto Insurance threads.
FJB - Lets Go Brandon BBB - Bring Back Better Awake - Not Woke!
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Re: PM me any insurance questions
[Re: tlk]
#8548437
03/05/22 03:32 PM
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Joined: Jul 2019
Posts: 14,027
Hudbone
THF Celebrity
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THF Celebrity
Joined: Jul 2019
Posts: 14,027 |
Suggest you just leave varmint outta this. Difference being varmint trying to sell something while tlk coming out of the goodness of his heart.
No good deed goes unpunished.
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Re: PM me any insurance questions
[Re: tlk]
#8548459
03/05/22 04:03 PM
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Joined: Jan 2013
Posts: 960
Gary Olson
Tracker
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Tracker
Joined: Jan 2013
Posts: 960 |
The Orange Tractor Company requires the full theft/damage/towing/ID10T insurance package to finance a tractor. Supposedly the company insurance is equivalent to a commercial marine insurance package. Is it better to use the Orange Tractor Company insurance or get an additional coverage from the Big Commercial Company I have used for decades.
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Re: PM me any insurance questions
[Re: tlk]
#8548463
03/05/22 04:07 PM
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Joined: Jul 2019
Posts: 14,027
Hudbone
THF Celebrity
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THF Celebrity
Joined: Jul 2019
Posts: 14,027 |
I believe Kubota's preferred policy includes coverage for rising water (ie: flood) which most others do not. Even so, we insure a lot of tractors. Most all inland marine and farm equipment policies will cover fire, theft, collision, upset & overturn. Most will respond with an actual cash value response will some (very few) will actually provide replacement cost coverage up to the value stated on the policy.
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Re: PM me any insurance questions
[Re: tlk]
#8548526
03/05/22 05:15 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
How long does it take to get your your refund if you sell your house two months before the expiration date?
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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Re: PM me any insurance questions
[Re: tlk]
#8548530
03/05/22 05:17 PM
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Joined: Jul 2019
Posts: 14,027
Hudbone
THF Celebrity
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THF Celebrity
Joined: Jul 2019
Posts: 14,027 |
Should be within two weeks of signing your cancel request. Oftentimes quicker.
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Re: PM me any insurance questions
[Re: Hudbone]
#8548534
03/05/22 05:20 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Should be within two weeks of signing your cancel request. Oftentimes quicker. Will you forward it to the new address if the information on the zip code was in error?
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill
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